Your home is likely your most valuable asset. A standard Homeowners Insurance (HO-3) policy provides the broad protection you need against fire, theft, vandalism, and liability claims.

At Advanced Brokers, we don't just sell policies; we craft protection plans. We help you calculate the true replacement cost of your home, ensure your valuable collections are covered, and navigate the complexities of California's insurance landscape.

What's in a Standard Policy?

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Dwelling Protection

Covers the structure of your home, including walls, roof, and built-in appliances, from covered perils like fire and wind.

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Other Structures

Protects detached structures on your property, such as garages, fences, sheds, and guest cottages.

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Personal Property

Reimburses you for furniture, electronics, clothing, and other items if they are stolen or damaged.

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Liability Protection

Covers legal fees and medical bills if someone is injured on your property or if you cause damage to others.

Homeowners FAQ

Does my policy cover earthquakes? ▼

No. Standard homeowners policies exclude earthquake damage. We can help you purchase a separate earthquake policy or a "difference in conditions" policy to fill this gap.

What is "Replacement Cost" vs. "Actual Cash Value"? ▼

Replacement Cost pays to replace your item with a new one. Actual Cash Value pays what the item was worth at the time of loss (depreciated value). We almost always recommend Replacement Cost coverage.

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